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@Anonymous wrote:
This is the part of the Cap One disclosure that scares me but you would think it means someone who has the same card, but I dont know
does my spend bonus work?
You will earn 40,000 bonus miles if you spend at least $3,000 within 3 months of your rewards membership enrollment date. Once you qualify for this bonus, we will apply it to your rewards balance within two billing cycles. Existing or previous Accountholders may not be eligible for this one-time bonus.
Maybe it's really just talking about people who have had the Venture card before and closed it or something.
@chalupaman wrote:
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:Capital One screwed me out of my QS Visa signup bonus claiming that the QS1s I had previously were the same product. They insisted they were seperate products when I was trying to PC but when it came bonus time suddenly they were the same product.
If they can find a way to screw you over, they will take it. At least that's been my experience.
Extra HPs for me from the EO.
You know I honestly didn't really give a flip. I know what to expect from Crap1 and after the initial surprise the underhanded tactic made perfect sense. They consistantly value squeezing you for your nickels and dimes over building relationships and making customers happy.
Hopefully the realistic limits they've been giving out is a sign that things may be begining to change, but I am skeptical to say the least.
Same here. I still hate their ridiculous triple pull system. That needs to change too.
I think they've been relatively generous on the Venture for a long time now though. I don't think that's anything new but now people are suddenly getting early CLIs and all this stuff so perhaps this might be a response to CapOne possibly taking over the TE cards here in the US as they've done in Canada.
The triple pulls along with the tendency to nickel and dime people to death is a symptom of their preference for the sub-prime market IMO. Sub-Prime borrowers are more likely to have negatives on various reports. Many questionable lenders like payday loan places for example only report to one or two CRAs.
I would love to see them split their operations into 2 segments and provide a path to move from one segment to the other. Basically the same thing they already do but acknowledge what they do and tailer products more based on where you are. There's really no reason to triple pull every application every time. If you are applying for a more prime card or have a history with them, it's not necessary.
Whatever... They're screwy, it is what it is. My favorite is the opposite day AF system they have where they apply the AF to the low tier cards instead of the top tier cards. lol
Call incongnito he should help
@kdm31091 wrote:
I think for bonus definitions QS and QS1 are the same. Spend requirement and bonus are the same. That's probably why they gave you a hard time. To PCing perhaps bc of the annual fee and the QS1 being MC they're considered different
It sucks, but as you said they're gonna find any reason to not pay out the bonus. Whether its totally legit or not.
Which is why I did not apply for a QS VS. The $100 bonus for $500 spend wasn't worth the 2x HP, even IF they didn't welch on it.
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:Capital One screwed me out of my QS Visa signup bonus claiming that the QS1s I had previously were the same product. They insisted they were seperate products when I was trying to PC but when it came bonus time suddenly they were the same product.
If they can find a way to screw you over, they will take it. At least that's been my experience.
Extra HPs for me from the EO.
You know I honestly didn't really give a flip. I know what to expect from Crap1 and after the initial surprise the underhanded tactic made perfect sense. They consistantly value squeezing you for your nickels and dimes over building relationships and making customers happy.
Hopefully the realistic limits they've been giving out is a sign that things may be begining to change, but I am skeptical to say the least.
Same here. I still hate their ridiculous triple pull system. That needs to change too.
I think they've been relatively generous on the Venture for a long time now though. I don't think that's anything new but now people are suddenly getting early CLIs and all this stuff so perhaps this might be a response to CapOne possibly taking over the TE cards here in the US as they've done in Canada.
The triple pulls along with the tendency to nickel and dime people to death is a symptom of their preference for the sub-prime market IMO. Sub-Prime borrowers are more likely to have negatives on various reports. Many questionable lenders like payday loan places for example only report to one or two CRAs.
I would love to see them split their operations into 2 segments and provide a path to move from one segment to the other. Basically the same thing they already do but acknowledge what they do and tailer products more based on where you are. There's really no reason to triple pull every application every time. If you are applying for a more prime card or have a history with them, it's not necessary.
Whatever... They're screwy, it is what it is. My favorite is the opposite day AF system they have where they apply the AF to the low tier cards instead of the top tier cards. lol
Oh my God. I never understood the logic behind that either. It would be nice if CapOne spun off into two separate entities and clearly marketed themselves that way.
CapOne Fresh Start and CapOne Preferred.
I think that could work for them.
@chalupaman wrote:
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:Capital One screwed me out of my QS Visa signup bonus claiming that the QS1s I had previously were the same product. They insisted they were seperate products when I was trying to PC but when it came bonus time suddenly they were the same product.
If they can find a way to screw you over, they will take it. At least that's been my experience.
Extra HPs for me from the EO.
You know I honestly didn't really give a flip. I know what to expect from Crap1 and after the initial surprise the underhanded tactic made perfect sense. They consistantly value squeezing you for your nickels and dimes over building relationships and making customers happy.
Hopefully the realistic limits they've been giving out is a sign that things may be begining to change, but I am skeptical to say the least.
Same here. I still hate their ridiculous triple pull system. That needs to change too.
I think they've been relatively generous on the Venture for a long time now though. I don't think that's anything new but now people are suddenly getting early CLIs and all this stuff so perhaps this might be a response to CapOne possibly taking over the TE cards here in the US as they've done in Canada.
The triple pulls along with the tendency to nickel and dime people to death is a symptom of their preference for the sub-prime market IMO. Sub-Prime borrowers are more likely to have negatives on various reports. Many questionable lenders like payday loan places for example only report to one or two CRAs.
I would love to see them split their operations into 2 segments and provide a path to move from one segment to the other. Basically the same thing they already do but acknowledge what they do and tailer products more based on where you are. There's really no reason to triple pull every application every time. If you are applying for a more prime card or have a history with them, it's not necessary.
Whatever... They're screwy, it is what it is. My favorite is the opposite day AF system they have where they apply the AF to the low tier cards instead of the top tier cards. lol
Oh my God. I never understood the logic behind that either. It would be nice if CapOne spun off into two separate entities and clearly marketed themselves that way.
CapOne Fresh Start and CapOne Preferred.
I think that could work for them.
Agreed, it would save them and us a lot of headaches. They could then be more free to design products and practices around each particular market.
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:
@chalupaman wrote:
@wacdenney wrote:Capital One screwed me out of my QS Visa signup bonus claiming that the QS1s I had previously were the same product. They insisted they were seperate products when I was trying to PC but when it came bonus time suddenly they were the same product.
If they can find a way to screw you over, they will take it. At least that's been my experience.
Extra HPs for me from the EO.
You know I honestly didn't really give a flip. I know what to expect from Crap1 and after the initial surprise the underhanded tactic made perfect sense. They consistantly value squeezing you for your nickels and dimes over building relationships and making customers happy.
Hopefully the realistic limits they've been giving out is a sign that things may be begining to change, but I am skeptical to say the least.
Same here. I still hate their ridiculous triple pull system. That needs to change too.
I think they've been relatively generous on the Venture for a long time now though. I don't think that's anything new but now people are suddenly getting early CLIs and all this stuff so perhaps this might be a response to CapOne possibly taking over the TE cards here in the US as they've done in Canada.
The triple pulls along with the tendency to nickel and dime people to death is a symptom of their preference for the sub-prime market IMO. Sub-Prime borrowers are more likely to have negatives on various reports. Many questionable lenders like payday loan places for example only report to one or two CRAs.
I would love to see them split their operations into 2 segments and provide a path to move from one segment to the other. Basically the same thing they already do but acknowledge what they do and tailer products more based on where you are. There's really no reason to triple pull every application every time. If you are applying for a more prime card or have a history with them, it's not necessary.
Whatever... They're screwy, it is what it is. My favorite is the opposite day AF system they have where they apply the AF to the low tier cards instead of the top tier cards. lol
Lol...I find it to be like a reward system.
Anyway, here is what is on my rewards thing. One of my charges has not posted yet